EF> Although he was around for a few minutes after the accident occurred,
 EF> the driver of the Caravan fled the scene on foot before any police or
 EF> emergency vehicles arrived on the scene.
 EF> This is my question... how does the legal and or insurance liability
 EF> work in a situation like this?
The accident will be classified as a hit and run accident. The police will 
attempt to locate this driver and file charges on him. Regardless, the owner 
of the Caravan should use his or her insurance to settle the matter. The 
owner of the Caravan might be the same man who fled the scene, and that would 
make things much easier, especially since there are several witnesses who can 
probably identify him. There are two problems I can think of that might 
complicate things greatly: 1) there is no insurance on the caravan; 2) the 
owner of the Caravan reports the vehicle stolen, and he was not the man 
driving the van.
In the two worst case scenarios above, you would need an insurance policy 
with liability, comprehensive, collision, and uninsured motorists. You could 
then collect from your own insurance company. All of this information is 
generic, as I am not aware of the specific insurance regulations in your 
state. This is what would happen in Oklahoma. I hope this helped some.
Tom Rightmer - A Victims' Rights Advocate
--- Telegard v3.09.g1
---------------